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Bowtie Children's Growth Term CI

Last checked

At a glance

Insurer
Bowtie Life Insurance Company Limited
Product category
Critical illness
Issue ages & basis
Issue ages & basis (2)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 17 yearsPost-birth application.
Age basis: Not confirmed
18 years to 45 yearsExpectant mother: singleton pregnancy 18 weeks 0 days to 31 weeks 0 days; normal fetal morphology scan; child born in Hong Kong.
Age basis: Not confirmed
  • Pre-birth and post-birth applications with benefits for pregnancy complications and covered child illnesses, subject to conditions.
Ask a licensed broker about this productCompare with similar plans

Decision sheet

6 of 14 known · 8 not published
What it pays and when

Benefit term: To age 18Public source · Checked:

Recorded features: Pre-birth and post-birth applications with benefits for pregnancy complications and covered child illnesses, subject to conditions.Public source · Checked:

Benefit limits
not published
Premium and payment term
not published
How premiums can change

Renewal does not involve health re-underwriting; the insurer reserves the right to revise policy terms and the prevailing premium schedule.Public source · Checked:

Guaranteed / non-guaranteed
not published
Waiting periods

Pre-birth: 30 days for expectant-mother benefits; 90 days from birth for congenital and juvenile diseases/treatments, with no waiting for other child cover. Post-birth: 90 days from policy inception.Public source · Checked:

Main exclusions
not published
Surrender / cancellation

Request cancellation through the online platform at least 30 working days before the next renewal date.Public source · Checked:

Cooling-off

21-day cooling-off period; cancellation within it entitles you to a full refund of premiums paid.Public source · Checked:

Riders
not published
Claims steps

Insurer claims guide · Critical illness

not published
Policy servicing from abroad
not published
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:

Covered conditions / definitions
not published

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (10)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What benefit limits apply?
  2. How much is the premium, and how long must I pay it?
  3. What exclusions apply?
  4. Which riders are available, and what are their costs and terms?
  5. What are the claim steps, documents and deadlines?
  6. How can I service the policy from abroad, and what restrictions apply?
  7. Which illnesses are covered, and how are they defined?
  8. Can you provide the key facts statement and policy provisions for this product?
  9. What is the cooling-off period, and how do I cancel during it?
  10. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

Matching goals and segments (by product type)

Insurers (8)
Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Critical illness

Source 1
Benefit term

To age 18

Source 1
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 17 yearsPost-birth application.
Age basis: Not confirmed
18 years to 45 yearsExpectant mother: singleton pregnancy 18 weeks 0 days to 31 weeks 0 days; normal fetal morphology scan; child born in Hong Kong.
Age basis: Not confirmed
Source 1
Recorded features

Pre-birth and post-birth applications with benefits for pregnancy complications and covered child illnesses, subject to conditions.

Source 1
Names in other languages
English
Bowtie Children's Growth Term CI
繁體中文
Bowtie 仔女成長危疾保
简体中文
Not confirmed

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

  1. Bowtie Children's Growth Term CI — official product page

    Source date: Not confirmed
    Checked:

  2. Bowtie 仔女成長危疾保 — official product page

    Source date: Not confirmed
    Checked:

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